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Need help understanding citi

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yudeology101
Senior Contributor

Re: Need help understanding citi


@longtimelurker wrote:

@yudeology101 wrote:

@enharu wrote:

@rcsidwell wrote:

Applied Saturday for citi diamond card, got denied. Received email Sunday that they could not complete my application ,because of freeze on equifax, but they pulled experian, when I called , rep, told me they tried to pull equifax, only.i received three different alerts about citi checking experian,what should I do , or call.thanks


they tried to double pull your file.

you will need to unfreeze equifax and let them pull that as well.

 


+1.  You mind as well unfreeze it so that your EX HP won't go into a waste.  Best of luck and keep us updated.


Well, if OPs EQ score is really bad (as said) then might not be worth it, as there would be a wasted EQ pull as well.   Just cut the losses!


True. 

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Message 11 of 12
enharu
Super Contributor

Re: Need help understanding citi


@longtimelurker wrote:

@yudeology101 wrote:

@enharu wrote:

@rcsidwell wrote:

Applied Saturday for citi diamond card, got denied. Received email Sunday that they could not complete my application ,because of freeze on equifax, but they pulled experian, when I called , rep, told me they tried to pull equifax, only.i received three different alerts about citi checking experian,what should I do , or call.thanks


they tried to double pull your file.

you will need to unfreeze equifax and let them pull that as well.

 


+1.  You mind as well unfreeze it so that your EX HP won't go into a waste.  Best of luck and keep us updated.


Well, if OPs EQ score is really bad (as said) then might not be worth it, as there would be a wasted EQ pull as well.   Just cut the losses!


Well yea that's one way to look at it too Smiley Tongue
It depends on just how bad of a file we are talking about....

If it's just an additional minor derog that's already a couple years old, then it doesn't really matter. But if it's a one large recent charge off account, then yea might as well cut the losses.

 

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Message 12 of 12
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